Louisiana Car Insurance Laws

When you move to a new state the list of things you need to double check seems even longer than the list of things you need to pack. From your utilities to your local grocery store everything seems to be different. When you check your list make sure to learn about Louisiana car insurance laws. Find an auto insurance agent from your company in the area you are moving to. You will be able to ensure they know the auto insurance laws and the best policy options for your area when you find an agent near where you are moving.

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Louisiana state law requires that all drivers carry protection against their liability in an accident. The state minimums for Louisiana are:

$10,000 Bodily Injury Liability (per person)
$20,000 Bodily Injury Liability (per accident)
$10,000 Property Damage Liability

Insurance companies refer to the Louisiana state minimum limits as 10/20/10 coverage. Louisiana does not require drivers to purchase protection against uninsured or underinsured motorists. However, many insurance companies offer Louisiana drivers Uninsured/Underinsured Motorist Bodily Injury Liability coverage as an option.

The Louisiana Department of Insurance keeps records of all complaints filed on insurance companies, as well as individual insurance agents throughout the state. Check the website at http://www.ldi.la.gov or call 800-259-5300 before making your final decision on an insurance company or agent.